<PAGE>

================================================================================
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 10-K
                                    ---------
[X]  ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
     ACT OF 1934

                   For the Fiscal Year Ended December 31, 2001

[_]  TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
     EXCHANGE ACT OF 1934

                         Commission file number 33-99334

                            ------------------------

                      FIRST USA BANK, NATIONAL ASSOCIATION
             (Exact name of registrant as specified in its charter)
            (As Servicer on behalf of CC Master Credit Card Trust II
              (formerly Chevy Chase Master Credit Card Trust II))

       Laws of the United States                           51-0269396
     (State or other jurisdiction of                    (I.R.S. Employer
     incorporation or organization)                    Identification No.)

       201 North Walnut Street                               19801
        Wilmington, Delaware                               (Zip Code)
(Address of principal executive offices)

       Registrant's telephone number, including area code: (302) 594-4000

Securities registered pursuant to Section 12(b) of the Act:  NONE

Securities registered pursuant to Section 12(g) of the Act:
$368,000,000 Class A Floating Rate Asset Backed Certificates, Series 1995-A
$ 32,000,000 Class B Floating Rate Asset Backed Certificates, Series 1995-A

$368,000,000 Class A Floating Rate Asset Backed Certificates, Series 1995-C
$ 32,000,000 Class B Floating Rate Asset Backed Certificates, Series 1995-C

$245,000,000 Class A Floating Rate Asset Backed Certificates, Series 1996-C
$ 25,500,000 Class B Floating Rate Asset Backed Certificates, Series 1996-C

$468,000,000 Class A Floating Rate Asset Backed Certificates, Series 1998-A
$ 72,000,000 Class B Floating Rate Asset Backed Certificates, Series 1998-A

Indicate by check mark whether the Registrant: (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or such shorter period that the Registrant
was required to file such reports), and (2) has been subject to such filing
requirements for the past 90 days.

YES  [X]   NO  [_]

Indicate by check mark if disclosure of delinquent filers pursuant to item 405
of Regulation S-K is not contained herein, and will not be contained, to the
best of Registrant's knowledge, in definitive proxy or information statements
incorporated by reference in Part III of this Form 10-K or any amendment to this
Form 10-K.

Not Applicable.

State the aggregate market value of the voting stock held by non-affiliates of
the Registrant. The aggregate market value shall be computed by reference to the
price at which the stock was sold, or the average bid and asked prices of such
stock, as of a specified date within 60 days prior to the date of filing.

Not Applicable.

Indicate the number shares outstanding of each of the Registrant's class of
common stock, as of the latest practicable date.

Not Applicable.

                    DOCUMENTS INCORPORATED BY REFERENCE: NONE

================================================================================

<PAGE>

                                Introductory Note
                                -----------------

First USA Bank, National Association (the "Bank"), a direct wholly owned
subsidiary of BANK ONE CORPORATION ("BANK ONE"), is the Transferor, with respect
to the CC Master Credit Card Trust II (formerly Chevy Chase Master Credit Card
Trust II) (the "Trust") under the Pooling and Servicing Agreement dated as of
June 1, 1995, among the Bank, as Transferor and Servicer, and Bankers Trust
Company, as Trustee (the "Trustee"), as supplemented and amended (the "Pooling
and Servicing Agreement").

The Certificates listed on page 1 hereof will be referred to collectively herein
as the "Certificates". The Certificates do not represent obligations of or
interests in the Bank.

The Bank will respond only to certain items of Form 10-K. In doing so, the Bank
will be relying on a letter dated July 31, 1989 from the Securities and Exchange
Commission, Division of Corporation Finance, Office of Chief Counsel to Chevy
Chase Bank, F.S.B., the then Servicer of the Trust, granting the Servicer of the
Trust relief from the requirement to respond to various items of Form 10-K. The
items to which the Bank is not required to respond are designated herein as "Not
Applicable".

The final payments with respect to Class A Floating Rate Asset Backed
Certificates, Series 1996-A and Class B Floating Rate Asset Backed Certificates,
Series 1996-A were made on September 15, 2001 and November 15, 2001,
respectively. Information with respect to such Certificates is only included in
Item 14(a)(i) which contains the Summary of Annual Distributions on the
Certificates to Certificateholders for the year ended December 31, 2001.


                                     PART I

ITEM 1.   BUSINESS

Not Applicable.

ITEM 2.   PROPERTIES

Not Applicable.

ITEM 3.   LEGAL PROCEEDINGS

There are no material pending legal proceedings with respect to the Trust,
involving the Trust, the Trustee or the Registrant. The Bank is a defendant in
various lawsuits, including lawsuits seeking class action certification in both
state and federal courts. These lawsuits challenge certain policies and
practices of the Bank's credit card business. A few of these lawsuits have been
conditionally certified as class actions. The Bank has defended itself against
claims in the past and intends to continue to do so in the future. While it is
impossible to predict the outcome of any of these lawsuits, the Bank believes
that any liability which might result from these lawsuits will not have a
material adverse effect on the Trust.

ITEM 4.   SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

None.

                                       2

<PAGE>

                                     PART II

ITEM 5.   MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED STOCKHOLDER MATTERS

Each of the Certificates, representing investors' interests in the Trust, are
represented by a single certificate registered in the name of Cede & Co., the
nominee for The Depository Trust Company ("DTC").

To the best knowledge of the Registrant, there is no established public trading
market for the Certificates.

ITEM 6.   SELECTED FINANCIAL DATA

Not Applicable.

ITEM 7.   MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
          RESULTS OF OPERATIONS

Not applicable.

ITEM 7A.  QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Not Applicable.

ITEM 8.   FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

Not Applicable.

ITEM 9.   CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND
          FINANCIAL DISCLOSURE

None.


                                    PART III

ITEM 10.  DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

Not Applicable.

ITEM 11.  EXECUTIVE COMPENSATION

Not Applicable.

ITEM 12.  SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

Each of the Certificates, representing investor's interests in the Trust, are
represented by a single certificate registered in the name of Cede & Co., the
nominee of DTC, and an investor holding an interest in the Trust is not entitled
to receive a Certificate representing such interest except in certain limited
circumstances. Accordingly, Cede & Co. is the sole holder of record of the
Certificates, which it held on behalf of approximately 56 (fifty-six) brokers,
dealers, banks and other direct participants in the DTC system at December 31,
2001. Such direct DTC participants may hold Certificates for their own accounts
or for the accounts of their customers. The following table sets forth, with
respect to each of

                                       3

<PAGE>

the Certificates, the identity of each direct DTC participant
that holds a position in such Certificate in excess of 5% of the outstanding
principal amount thereof at December 31, 2001.
<TABLE>
<CAPTION>

                                                                         (3) Amount and Nature
                                      (2) Name and Address of                of Beneficial            (4) Percent
    (1) Title Of Class                   Beneficial Owners                 Ownership $(000's)          of Class
    ------------------                   -----------------                 ------------------          --------
<S>                          <C>                                           <C>                         <C>
Class A Floating Rate        Bank One Trust Company, N.A.                           $50,000              13.59%
Asset Backed Certificates,   1900 Polaris Parkway, 4th Floor
Series 1995-A                Columbus, OH  43240

                             JPMorgan Chase Bank                                    $80,000              21.74%
                             c/o JP Morgan Investor Services
                             14201 Dallas Parkway, 12th Floor
                             Mail Code 121
                             Dallas, TX  75240

                             JPMorgan Chase Bank                                    $19,840               5.39%
                             Correspondence Clearing Services 2
                             One Chase Manhattan Plaza 4-B
                             New York, NY  10081

                             Mizuho Trust & Banking Co. (USA)                      $120,000              32.61%
                             666 Fifth Avenue, Suite 802
                             New York, NY  10103

                             State Street Bank and Trust Company                    $41,000              11.14%
                             1776 Heritage Dr.
                             Global Corp. Action Unit JAB 5NW
                             No. Quincy, MA  02171


Class B Floating Rate        Bank One Trust Company, N.A.                           $32,000             100.00%
Asset Backed Certificates,   1900 Polaris Parkway, 4th Floor
Series 1995-A                Columbus, OH  43240


Class A Floating Rate        Bank of New York (The)                                 $47,035              12.78%
Asset Backed Certificates,   925 Patterson Plank Road
Series 1995-C                Secaucus, NJ  07094

                             Bankers Trust Company                                  $20,000               5.43%
                             648 Grassmere Park Road
                             Nashville, TN  37211

                             JPMorgan Chase Bank                                   $110,770              30.10%
                             c/o JP Morgan Investor Services
                             14201 Dallas Parkway, 12th Floor
                             Mail Code 121
                             Dallas, TX  75240
</TABLE>

                                       4

<PAGE>

<TABLE>
<S>                       <C>                                             <C>                   <C>
                             Prudential Securities Custody                      $74,275                 20.18%
                             c/o ADP Proxy Services
                             51 Mercedes Way
                             Edgewood, NY  11717

                             State Street Bank and Trust Company                $25,000                  6.79%
                             1776 Heritage Dr.
                             Global Corp. Action Unit JAB 5NW
                             No. Quincy, MA  02171

                             U.S. Bank National Association                     $24,950                  6.78%
                             180 East Fifth Street
                             St. Paul, MN  55101

                             Wells Fargo Bank Minnesota, N.A.                   $25,000                  6.79%
                             733 Marquette Avenue, N9306-051
                             Minneapolis, MN  55479-0056


Class B Floating Rate        Bank One Trust Company, N.A.                       $18,000                 56.25%
Asset Backed Certificates,   1900 Polaris Parkway, 4th Floor
Series 1995-C                Columbus, OH  43240

                             JPMorgan Chase Bank                                $14,000                 43.75%
                             c/o JP Morgan Investor Services
                             14201 Dallas Parkway, 12th Floor
                             Mail Code 121
                             Dallas, TX  75240


Class A Floating Rate        Bank of New York (The)                             $38,500                 15.65%
Asset Backed Certificates,   925 Patterson Plank Road
Series 1996-C                Secaucus, NJ  07094

                             Citibank, N.A.                                     $35,000                 14.23%
                             3800 Citicorp Center Tampa
                             Building B/Floor 1
                             Tampa, FL  33610-9122

                             JPMorgan Chase Bank                               $111,600                 45.37%
                             c/o JP Morgan Investor Services
                             14201 Dallas Parkway, 12th Floor
                             Mail Code 121
                             Dallas, TX  75240

                             Mizuho Trust & Banking Co. (USA)                   $50,000                 20.33%
                             666 Fifth Avenue, Suite 802
                             New York, NY  10103


</TABLE>
                                       5

<PAGE>

<TABLE>
<S>                      <C>                                               <C>                   <C>
Class B Floating Rate        Bank of New York (The)                             $13,000                 50.98%
Asset Backed Certificates,   925 Patterson Plank Road
Series 1996-C                Secaucus, NJ  07094

                             JPMorgan Chase Bank                                 $9,250                 36.27%
                             c/o JP Morgan Investor Services
                             14201 Dallas Parkway, 12th Floor
                             Mail Code 121
                             Dallas, TX  75240

                             JP Morgan Securities, Inc. -                        $3,250                 12.75%
                             Fixed Income
                             4 New York Plaza
                             New York, NY  10041


Class A Floating Rate        Bank of New York (The)                             $43,000                  9.19%
Asset Backed Certificates,   925 Patterson Plank Road
Series 1998-A                Secaucus, NJ  07094

                             Bankers Trust Company                             $136,000                 29.06%
                             648 Grassmere Park Road
                             Nashville, TN 37211

                             Citibank, N.A.                                     $41,000                  8.76%
                             3800 Citicorp Center Tampa
                             Building B/Floor 1
                             Tampa, FL  33610-9122

                             JPMorgan Chase Bank                               $107,500                 22.97%
                             c/o JP Morgan Investor Services
                             14201 Dallas Parkway, 12th Floor
                             Mail Code 121
                             Dallas, TX  75240

                             Merrill Lynch, Pierce Fenner & Smith               $31,500                  6.73%
                             Safekeeping
                             4 Corporate Place
                             Piscataway, NJ  08854

                             State Street Bank and Trust Company                $55,000                 11.75%
                             1776 Heritage Dr.
                             Global Corp. Action Unit JAB 5NW
                             No. Quincy, MA  02171


Class B Floating Rate        Bank of New York (The)                              $9,000                 12.50%
Asset Backed Certificates,   925 Patterson Plank Road
Series 1998-A                Secaucus, NJ  07094

</TABLE>
                                       6

<PAGE>
<TABLE>
<S>                      <C>                                               <C>                   <C>

                             JPMorgan Chase Bank                                 $7,000                  9.72%
                             c/o JP Morgan Investor Services
                             14201 Dallas Parkway, 12th Floor
                             Mail Code 121
                             Dallas, TX  75240

                             Merrill Lynch, Pierce Fenner & Smith               $44,855                 62.30%
                             Safekeeping
                             4 Corporate Place
                             Piscataway, NJ  08854

                             Wells Fargo Bank Minnesota, N.A.                   $11,145                 15.48%
                             733 Marquette Avenue, N9306-051
                             Minneapolis, MN 55479-0056

</TABLE>

ITEM 13.  CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

None.

                                     PART IV

ITEM 14.  EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON
          FORM 8-K

(a)       The following documents are filed as part of this Report:

          (i)   Summary of annual distributions on the Certificates to
                Certificateholders for the year ended December 31, 2001.

          (ii)  Annual Accountant's Report dated November 17, 2001 and
                Management's Assertion.

                No proxy soliciting material has been distributed by the Trust.



                                       7

<PAGE>

                                    SIGNATURE

         Pursuant to the requirements of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the Registrant has duly caused this report to be signed on
its behalf by the undersigned, thereunto duly authorized.


                              FIRST USA BANK, NATIONAL ASSOCIATION,
                              as Servicer of CC Master Credit Card Trust II
                              (formerly Chevy Chase Master Credit Card Trust II)



                              By: /s/ Tracie H. Klein
                                  ----------------------------------------
                                  Name: Tracie H. Klein
                                  Title: First Vice President




Date:  March 21, 2002
       --------------







                                       8

<PAGE>

CC Master Credit Card Card Trust II
Series 1995-A
2001 Distributions

Pursuant to Section 5.2 (c) of the CC Master Credit
Card Trust II Series 1995-A Supplement to the Agreement,
First USA Bank, NA., must provide the following
information on an aggregate basis for the year ended
December 31, 2001:


A.    1.    The total amount of the distribution to Class A
            Certificateholders during 2001 per $1,000
            original certificate principal amount.                      $  46.62

      2.    The amount of the distribution set forth
            in paragraph 1 above in respect of interest on
            the Class A Certificates, per $1,000 original
            certificate principal amount.                               $  46.62

      3.    The amount of the distribution set forth
            in paragraph 1 above in respect of principal on
            the Class A Certificates, per $1,000 original
            certificate principal amount.                               $   0.00


B.    1.    The total amount of the distribution to Class B
            Certificateholders during 2001 per $1,000
            original certificate principal amount.                      $  47.74

      2.    The amount of the distribution set forth
            in paragraph 1 above in respect of interest on
            the Class B Certificates, per $1,000 original
            certificate principal amount.                               $  47.74

      3.    The amount of the distribution set forth
            in paragraph 1 above in respect of principal on
            the Class B Certificates, per $1,000 original
            certificate principal amount.                               $   0.00


<PAGE>

CC Master Credit Card Card Trust II
Series 1995-C
2001 Distributions

Pursuant to Section 5.2 (c) of the CC Master Credit
Card Trust II Series 1995-C Supplement to the Agreement,
First USA Bank, NA., must provide the following
information on an aggregate basis for the year ended
December 31, 2001:


A.    1.    The total amount of the distribution to Class A
            Certificateholders during 2001 per $1,000
            original certificate principal amount.                      $  46.72

      2.    The amount of the distribution set forth
            in paragraph 1 above in respect of interest on
            the Class A Certificates, per $1,000 original
            certificate principal amount.                               $  46.72

      3.    The amount of the distribution set forth
            in paragraph 1 above in respect of principal on
            the Class A Certificates, per $1,000 original
            certificate principal amount.                               $   0.00


B.    1.    The total amount of the distribution to Class B
            Certificateholders during 2001 per $1,000
            original certificate principal amount.                      $  48.00

      2.    The amount of the distribution set forth
            in paragraph 1 above in respect of interest on
            the Class B Certificates, per $1,000 original
            certificate principal amount.                               $  48.00

      3.    The amount of the distribution set forth
            in paragraph 1 above in respect of principal on
            the Class B Certificates, per $1,000 original
            certificate principal amount.                               $   0.00




<PAGE>
CC Master Credit Card Card Trust II
Series 1996-A
2001 Distributions

Pursuant to Section 5.2 (c) of the CC Master Credit
Card Trust II Series 1996-A Supplement to the Agreement,
First USA Bank, NA., must provide the following
information on an aggregate basis for the year ended
December 31, 2001:


A.    1.    The total amount of the distribution to Class A
            Certificateholders during 2001 per $1,000
            original certificate principal amount.                      $1038.49

      2.    The amount of the distribution set forth
            in paragraph 1 above in respect of interest on
            the Class A Certificates, per $1,000 original
            certificate principal amount.                               $  38.49

      3.    The amount of the distribution set forth
            in paragraph 1 above in respect of principal on
            the Class A Certificates, per $1,000 original
            certificate principal amount.                               $1000.00


B.    1.    The total amount of the distribution to Class B
            Certificateholders during 2001 per $1,000
            original certificate principal amount.                      $1045.71

      2.    The amount of the distribution set forth
            in paragraph 1 above in respect of interest on
            the Class B Certificates, per $1,000 original
            certificate principal amount.                               $  45.71

      3.    The amount of the distribution set forth
            in paragraph 1 above in respect of principal on
            the Class B Certificates, per $1,000 original
            certificate principal amount.                               $1000.00




<PAGE>
CC Master Credit Card Card Trust II
Series 1996-C
2001 Distributions

Pursuant to Section 5.2 (c) of the CC Master Credit
Card Trust II Series 1996-C Supplement to the Agreement,
First USA Bank, NA., must provide the following
information on an aggregate basis for the year ended
December 31, 2001:


A.    1.    The total amount of the distribution to Class A
            Certificateholders during 2001 per $1,000
            original certificate principal amount.                      $  45.50

      2.    The amount of the distribution set forth
            in paragraph 1 above in respect of interest on
            the Class A Certificates, per $1,000 original
            certificate principal amount.                               $  45.50

      3.    The amount of the distribution set forth
            in paragraph 1 above in respect of principal on
            the Class A Certificates, per $1,000 original
            certificate principal amount.                               $   0.00


B.    1.    The total amount of the distribution to Class B
            Certificateholders during 2001 per $1,000
            original certificate principal amount.                      $  47.90

      2.    The amount of the distribution set forth
            in paragraph 1 above in respect of interest on
            the Class B Certificates, per $1,000 original
            certificate principal amount.                               $  47.90

      3.    The amount of the distribution set forth
            in paragraph 1 above in respect of principal on
            the Class B Certificates, per $1,000 original
            certificate principal amount.                               $   0.00

<PAGE>
CC Master Credit Card Card Trust II
Series 1998-A
2001 Distributions

Pursuant to Section 5.2 (c) of the CC Master Credit
Card Trust II Series 1998-A Supplement to the Agreement,
First USA Bank, NA., must provide the following
information on an aggregate basis for the year ended
December 31, 2001:


A.    1.    The total amount of the distribution to Class A
            Certificateholders during 2001 per $1,000
            original certificate principal amount.                      $  45.60

      2.    The amount of the distribution set forth
            in paragraph 1 above in respect of interest on
            the Class A Certificates, per $1,000 original
            certificate principal amount.                               $  45.60

      3.    The amount of the distribution set forth
            in paragraph 1 above in respect of principal on
            the Class A Certificates, per $1,000 original
            certificate principal amount.                               $   0.00


B.    1.    The total amount of the distribution to Class B
            Certificateholders during 2001 per $1,000
            original certificate principal amount.                      $  48.15

      2.    The amount of the distribution set forth
            in paragraph 1 above in respect of interest on
            the Class B Certificates, per $1,000 original
            certificate principal amount.                               $  48.15

      3.    The amount of the distribution set forth
            in paragraph 1 above in respect of principal on
            the Class B Certificates, per $1,000 original
            certificate principal amount.                               $   0.00




<PAGE>

[Letterhead of KPMG appears here]


                         Independent Accountant's Report
                         -------------------------------

First USA Bank, National Association
Bankers Trust Company

We have examined the accompanying management's assertion, that First USA Bank,
National Association (the "Servicer"), complied with the covenants and
conditions set forth in Article III (Administration and Servicing of
Receivables) and Article IV (Rights of Certificateholders and Allocation and
Application of Collections) and Section 8.08 of the CC Master Credit Card Trust
II (formally the Chevy Chase Master Credit Card Trust II) Pooling and Servicing
Agreement, dated as of June 1, 1995 (as amended), between the Servicer and
Bankers Trust Company (as Trustee for the various Certificateholders and
Enhancement Providers of the CC Master Credit Card Trust II) and the applicable
provisions of each Supplement, (collectively, the "Agreement"), during the
period October 1, 2000 through September 30, 2001. Management is responsible for
the Servicer's compliance with those requirements. Our responsibility is to
express an opinion on management's assertion about the Servicer's compliance
based on our examination.

Our examination was conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about the Servicer's
compliance with those requirements and performing such other procedures as we
considered necessary in the circumstances. We believe that our examination
provides a reasonable basis for our opinion. Our examination does not provide a
legal determination on the Servicer's compliance with specified requirements.

In performing this examination, we have assumed the accuracy of the reports
prepared by the Servicer's third party credit card processor and did not extend
our assessment to the relevant aspects of the Servicer's compliance that are the
responsibility of the third party credit card processor. Accordingly, our
assessment does not extend to these aspects of the Servicer's compliance that
are the responsibility of the third party credit card processor, and we do not
express any form of assurance on those compliance aspects.

In our opinion, management's assertion that the Servicer complied with the
aforementioned requirements during the period October 1, 2000 to September 30,
2001 is fairly stated, in all material respects.


                                  /s/ KPMG LLP

November 17, 2001

<PAGE>

                ASSERTION BY FIRST USA BANK, NATIONAL ASSOCIATION


The management of First USA Bank, National Association (the "Servicer") is
responsible for complying with the covenants and conditions set forth in Article
III (Administration and Servicing of Receivables), Article IV (Rights of
Certificateholders and Allocation and Application of Collections) and Section
8.08 of the CC Master Credit Card Trust II (formerly the Chevy Chase Master
Credit Card Trust II) Pooling and Servicing Agreement, dated as of June 1, 1995
(as amended), between the Servicer and Bankers Trust Company (as Trustee for the
various Certificateholders and Enhancement Providers of the CC Master Credit
Card Trust II) and the applicable provisions of each Supplement, (collectively,
the "Agreement").

Management has performed an evaluation of the Servicer's compliance with the
Agreement and based on this evaluation management believes that the Servicer has
complied with the covenants and conditions of the sections of the Agreement
referred to above as of September 30, 2001.

In providing this assertion on compliance, we have assumed the accuracy of the
reports prepared by the Servicer's third party credit card processor and did not
extend our assessment to the relevant aspects of the Servicer's compliance that
are the responsibility of the third party credit card processor. Accordingly,
our assessment does not extend to these aspects of the Servicer's compliance
that are the responsibility of the third party credit card processor, and we do
not express any form of assurance on these compliance aspects.

/s/ Jeffrey Rigg                           /s/ Tracie H. Klein
--------------------------------------     -------------------------------------
Jeffrey Rigg                               Tracie H. Klein
Senior Vice President - Accounting         First Vice President



/s/ Michael Looney
--------------------------------------
Michael Looney
Executive Vice President - Operations